- No Doc - "no ratio" - meaning, borrower shows no income and property ratio - rent income is not required - Good product for higher value rentals that may not cashflow with "market rent". Many of our borrowers that use property for vacation rental take this option.

-single - stand alone mortgages and blanket loans (need 3 + properties to qualify)
The refinance of a hard money lien is permitted with the following restrictions,
1. Cash out loans are ok, but not to exceed 75% borrower total cost if owned less than year.

2. If no cashout is requested, borrower may use full market value of property

2."soft Money" - no hard money, but if credit is rough but property LTV is good and loan is over 100k there are options.

terms range from 1 year balloons, interest only loans and fully amortized loans.